Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,820Fees | 0.135%Above | 1,808 | |
2 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,151Fees | 0.173%Above | 826 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,800Fees | 0.328%Above | 367 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,644Fees | 0.277%Above | 330 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $724Fees | 0.553%Below | 194 | |
6 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,690Fees | 0.085%Above | 126 | |
7 | Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,872Fees | 0.114%Below | 112 | |
8 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,376Fees | 0.397%Below | 72 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $679Fees | 0.228%Below | 53 | |
10 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,722Fees | 0.231%Above | 724 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,586Fees | 0.077%Above | 289 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,892Fees | 0.041%Above | 284 | |
13 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,232Fees | 0.212%Above | 273 | |
14 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,862Fees | 0.247%Above | 252 | |
15 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,356Fees | 0.335%Above | 170 | |
16 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,747Fees | 0.417%Above | 74 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,560Fees | 0.175%Below | 381 | |
18 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,446Fees | 0.144%Above | 329 | |
19 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,539Fees | 0.420%Above | 175 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,358Fees | 0.219%Above | 101 | |
21 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,918Fees | 0.038%Below | 82 | |
22 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $766Fees | 0.096%Above | 52 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,549Fees | 0.251%Above | 1,796 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,307Fees | 0.346%Above | 437 | |
25 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,888Fees | 0.238%Above | 154 | |
26 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,679Fees | 0.237%Above | 145 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,910Fees | 0.229%Above | 115 | |
28 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,807Fees | 0.492%Above | 64 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,227Fees | 0.174%Above | 57 | |
30 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,160Fees | 0.045%Below | 50 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,352Fees | 0.064%Below | 49 | |
32 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,775Fees | 0.350%Above | 474 | |
33 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,777Fees | 0.279%Above | 129 | |
34 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,904Fees | 0.541%Above | 76 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,182Fees | 0.590%Above | 326 | |
36 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,895Fees | 0.125%Below | 193 | |
37 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,534Fees | 0.339%Above | 172 | |
38 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,923Fees | 0.015%Above | 156 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,565Fees | 0.401%Above | 130 | |
40 | Presidential Bank, FSBBank | Strong | Acceptable | Strong | Exceptional | Strong | $3,615Fees | 0.419%Above | 94 | |
41 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,343Fees | 0.333%Above | 94 | |
42 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,598Fees | 0.287%Above | 73 | |
43 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,836Fees | 0.669%Above | 460 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,946Fees | 0.250%Above | 217 | |
45 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,347Fees | 0.219%Above | 196 | |
46 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,862Fees | 0.224%Above | 160 | |
47 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,478Fees | 0.489%Above | 150 | |
48 | DIRECT LENDERS, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $3,306Fees | 0.118%Above | 112 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,180Fees | 0.134%Above | 70 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,171Fees | 0.385%Above | 49 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.